Financial Wellness

Improving Financial Outcomes for Renters and Potential Homeowners

General Financial Wellness

Credit is simply a signal of financial ability or risk. The higher the credit score then the lower the perceived risk. Low credit scores signify to property owners the applicant may be a high risk.

Build your financial confidence—whether you’re renting, preparing to buy, weighing a sale vs. lease, or exploring investments. This hub offers practical guides, tools, and services tailored to Georgia and the metro Atlanta market.

Financial Wellness Hub (For Renters & Future Buyers)

Credit & Money Basics

• Learn how credit scores work, how rent can support your credit history, and how to build a simple, realistic budget.
• If you have a credit card you likely have a free credit score tracker and some banks/credit unions offer credit score tracker as well. Contact your financial institution and ask.
• Tools and resources: Ethical credit monitoring options, HUD-approved counseling, and community programs such as Operation HOPE.
HOPE Team Operation HOPE - Accelerating Financial Opportunity for All

The Path to Homeownership

• Follow a step-by-step guide from saving and pre-approval through inspections, appraisal, and closing—demystifying each milestone.
• Understand down payment options, typical upfront costs, and how to compare loan types with your lender.
• Schedule a free Home Buyer Consultation to map your timeline and next steps.
mparham@ulgatl.org The Homeownership Urban Blueprint

Homeowner Solutions

Should I Sell or Lease My Home?

• We’ll help you weigh today’s sales market, potential rental income, estimated holding costs, and your timing.
• Explore net proceeds scenarios vs. cash flow projections so you can choose the path that serves your goals.
• Call to action: Request a Free Rental Analysis to understand your property’s leasing potential in metro Atlanta.

Leasing Services

• Full-service marketing across major portals (FMLS/GAMLS, Zillow, Realtor.com, Apartments.com)
• Pricing strategy and rent comps
• Fair Housing–compliant advertising and showing coordination
• Applicant screening (credit/background/rental history per your criteria)
• Georgia lease preparation and move-in documentation
• Coordination through key handoff

Private Landlord Services

Resources for DIY Owners

• Downloadable lease and addenda templates, plus checklists for showings, screenings, and move-in.
• Guidance on tenant screening best practices and a plain-language overview of Georgia landlord–tenant laws.
• Market updates to help you set competitive rent while limiting vacancy.

Hire Us for Targeted Support

• Market rent analysis
• “Marketing-only” listing to fill a vacancy fast
• Applicant screening and verification
• Move-in walkthroughs and documentation

Commercial Real Estate & Investments

Advisory and Deal Support

• Explore opportunities across small multifamily, retail, office, and mixed-use in metro Atlanta.
• Services include site selection, basic underwriting, and coordination with lenders, attorneys, inspectors, and property managers.
• Preferred Lenders & Partners: A curated network of professionals for larger or more complex deals. Request introductions tailored to your project.

Contact Us Now!

• Schedule a Free Home Buyer Consultation
• Request a Free Rental Analysis
• Book a 15-Min Discovery Call (Investments/Commercial)
• Download: Georgia Landlord Toolkit (Free)
• Get Your Market Rent Report

Disclaimers

• Equal Housing Opportunity. Information is provided for educational purposes and is not legal, tax, or financial advice. Verify programs, eligibility, and local/HOA rules. For legal or tax guidance, consult a licensed professional. Schools and zoning should be independently verified.